 Does your current big box retail firm you're working with, do they have you take the Roth conversion challenge like we do at Alloy Wealth? Do they have solutions to get that money out? Do they have an enrolled agent with the IRS ready to help? Do they have those things? Social security timings. Go down and ask your local bank to help you with a social security report so you can maximize your social security benefit and see what they tell you. I had to laugh on that one.